Filed January 19, 2017
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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $29,436 |
Filed as: KESTRA ADVISORY SERVICES, LLC Service code 27 · EIN 35-2552359 | Advisory (Plan) | $14,088 |
Filed as: WILSHIRE ADVISORS LLC Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,117 | $82,674-52.7% | $125,363-68.8% | $68,495-42.9% |
| Participation rate | 88.7% | 75.0%+13.7pp | 82.4%+6.4pp | 67.9%+20.8pp |
| Annual return | -10.50% | -5.97%-4.5pp | 572.15%-582.6pp | -7.84%-2.7pp |
| Employer contribution / active EE | $1,972 | $3,382-41.7% | $4,815-59.0% | $2,596-24.0% |
| Participant deferral / active EE | $5,043 | $6,111-17.5% | $7,447-32.3% | $4,028+25.2% |
| Admin fee / account holder | $322 | $6,276-94.9% | $10,005-96.8% | $5,403-94.0% |